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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $138,964 | $108,825+27.7% | $156,181-11.0% | $82,448+68.5% |
| Participation rate | 96.3% | 72.4%+23.9pp | 78.8%+17.5pp | 68.1%+28.2pp |
| Annual return | 13.79% | 20.59%-6.8pp | 64.87%-51.1pp | 41.64%-27.8pp |
| Employer contribution / active EE | $3,652 | $2,870+27.2% | $4,294-15.0% | $2,551+43.1% |
| Participant deferral / active EE | $10,190 | $4,577+122.6% | $6,132+66.2% | $4,139+146.2% |
| Admin fee / account holder | $6,742 | $9,341-27.8% | $14,586-53.8% | $7,234-6.8% |